OK. As I recall you have triplets around age 4?
IMHO, ignore "
free dining" LOL! Free dining is nice if you can do a sit down meal every day. I see a few problems with this.
One, I think you have a short trip planned. So I have a feeling we are looking at the "commando" approach. Do you want to spend an hour to an hour and a half every day at your sit down meal?
Two, are your little ones used to resturants? If not, dragging them away from "fun stuff" for a sit down meal may be a disaster. (And there is no "Disney magic" that suddenly makes kids WANT to sit quietly at a resturant LOL!)
We took my niece and nephew at ages 3 and 4. They hated EVERY meal except one. (They behaved fine, but you could tell they wanted to be "playing" My brother has them well trained) Chef Mickey's where they could meet the characters. LOL! They would rather be "riding". We quickly adapted and reminded ourself that at that age you have to remember the trip is "all about them"
Now if you decide on on-site and can get free dining Take it, but make your decison about where you would be happiest first. If you think you will be miserable cramped into a hotel room with your kids then don't worry about free dining, find yourself a condo/home. If you think that will be fine and you would rather use Disney transport etc then see if you can get Free Dining. And then don't stress about "using all the credits" So you don't use all the sit downs, who cares? It's not like you are out cash!